The amount of XRP needed to rank among the top 10% of XRP wallets has fallen slightly in October 2026, while the threshold for the largest 0.01% of wallets has increased, according to the latest XRP rich list update.
The data shows that an XRP wallet needs about 2,088 XRP to rank within the top 10%. The threshold rises to 7,311 XRP for the top 5% and about 43,926 XRP for the top 1%.
| XRP Wallet Ranking | XRP Required |
|---|---|
| Top 10% | 2,088 XRP |
| Top 5% | 7,311 XRP |
| Top 4% | 10,010 XRP |
| Top 3% | 13,787 XRP |
| Top 2% | 21,478 XRP |
| Top 1% | 43,926 XRP |
| Top 0.5% | 79,597 XRP |
| Top 0.2% | 156,091 XRP |
| Top 0.1% | 274,561 XRP |
| Top 0.01% | 3,834,065 XRP |
According to the update, only around 822 wallets hold at least 3.83 million XRP, placing them in the top 0.01% of wallets.
The amount needed to enter several major XRP wallet rankings has declined compared with the previous update. The top 10% threshold fell from around 2,110 XRP to 2,088 XRP. The top 5% threshold declined from about 7,400 XRP to 7,311 XRP.
The top 1% threshold also decreased from approximately 44,237 XRP to 43,926 XRP, while the top 0.5% threshold fell from around 80,000 XRP to 79,597 XRP.
The top 0.1% threshold remained relatively stable at roughly 275,000 XRP.
The biggest change came at the top end of the XRP rich list.
The amount required to rank among the top 0.01% increased from approximately 3.65 million XRP to 3.83 million XRP.
This indicates that the largest XRP wallet addresses have increased their balances relative to the previous update. However, the wallet data alone does not identify whether these addresses belong to individual investors, exchanges, custodians, institutions or other entities.
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